Whether you’re a first-time buyer or a seasoned homeowner looking to upgrade, starting the process on the right foot can save time, reduce stress and help you find the perfect property.

Just like you might make a list of new year’s resolutions to set your goals for the year, you should make a list of goals for your home purchase. Consider factors like location, size and features. Proximity to work, schools, restaurants, shops and public transportation are all important considerations. The number of bedrooms and bathrooms or square footage may be a make-or-break item. Must-haves like a garage, updated kitchen or large outdoor space may also make your list. Whatever’s on it, a list will help you prioritize your needs so you can focus your search.

Once you know what you want, you have to know what you’re paying for it. Determining your budget is crucial so your search stays realistic. Review your finances to determine how much you can afford for a down payment and monthly mortgage payments. Online calculators can help you estimate costs; don’t forget to factor in property taxes, insurance and maintenance costs. Getting pre-approved for a mortgage that feels comfortable for you can strengthen your position as a buyer and clarify your price range. 

A skilled real estate agent can make your home search easier. Look for someone knowledgeable about the local market and experienced in helping buyers like you. They can help you find listings, negotiate offers and navigate the buying process. Once you have your list, your budget and your agent lined up, it’s time to shop!

With your criteria and budget in mind, start looking at online listings to identify homes that meet your needs. Save favorites and schedule showings to see properties in person. In a competitive market, homes can sell fast. If you find a property you love, be ready to make an offer. With a little luck and a lot of preparation, you’ll have the keys to your dream home in hand in no time at all. Happy house hunting!